. >> reporter: but after president obama's re-election, health care reform is on more solid footing. still, that leaves plenty of unknowns, including what state health insurance exchanges will look like. states have until friday to opt in. tomorrow, we'll take a look at state-run exchanges, and some of the other factors that could change the way we pay for health care. sylvia hall, "n.b.r.," whingn. >> susie: tomorrow on "n.b.r." a big day for retail earnings: walmart, target, dollar tree, and gap; all report results. and china's chooses its new diplomatic team, we look at that nation's historic once-in-a- decade leadership change. >> tom: the negotiations on avoiding the fiscal cliff will impact your paycheck, and possibly your portfolio, even if the only stocks you own are in mutual funds in a 401-k. john sweeney is executive vice president of planning and advisory services with fidelity investments. john, certainly this is a big threat for all investors, all income earners, how big is it for long-term investors? >> thanks, tom. a lot of our investors are asking us for help, trying